Mastic, NY
Mastic, NY's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Mastic lands at the 53rd percentile for wildfire risk to structures — modestly above the national average for wildfire risk — a figure built from its 5,196 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
USFS's separate burn-probability score — fire likelihood alone, before counting what's built there — puts Mastic at the 48th percentile, close to its 53rd-percentile risk score.
Where Mastic's buildings actually sit
USFS classifies 68.2% of Mastic's buildings as Minimal exposure, the largest of the three zones here by a wide margin over 23.1% Direct and 8.7% Indirect — a landscape-level risk rather than a building-by-building one. At 5,196 buildings, this is a substantial built environment, so the shares below describe a real population of structures, not a handful of edge cases.
How Mastic compares
Compare Mastic's two percentiles: 97th within New York, only 53rd nationally — a gap of 44 points that marks it as unusually exposed for its own state. Among the 31,521 US communities USFS scores, Mastic ranks 14,910 for wildfire risk (1 is highest) and 3,316 by building count (1 is largest). Within New York alone, it ranks 45 of 1,289 places by risk. See the full county-by-county picture for New York on its state page.
What this risk score means for insurance
Mastic's elevated wildfire rating (53rd percentile) isn't the kind of score driving the carrier pullback making news in the highest-risk Western markets — but a standard homeowners quote is still worth comparing on its own terms.
What would actually reduce this score
Even with 68.2% of Mastic outside USFS's Direct and Indirect zones, basic hardening — gutter maintenance, ember-resistant vents — is inexpensive relative to the regional burn-probability risk noted above. Details in the home-hardening guide.
More on how this number was built
Every one of the two percentiles behind Mastic's 14,910-place national rank traces to USFS's Wildfire Risk to Communities dataset — see the methodology guide. For more on what minimal exposure implies beyond Mastic, see the exposure-zones guide.